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        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.handbook.fca.org.uk/handbook/SYSC/15A.html?date=2026-05-07",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "doc-sysc15a",
        "label": "SYSC 15A",
        "type": "regulation",
        "subtype": "regulatory reference",
        "role": "SYSC 15A is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.legislation.gov.uk/eudr/2009/110/article/7/adopted",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "doc-emd2a7",
        "label": "EMD2 Article 7",
        "type": "regulation",
        "subtype": "regulatory reference",
        "role": "EMD2 Article 7 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.legislation.gov.uk/eudr/2015/2366/article/10/adopted/data.xht",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "doc-psd2a10",
        "label": "PSD2 Article 10",
        "type": "regulation",
        "subtype": "regulatory reference",
        "role": "PSD2 Article 10 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.legislation.gov.uk/uksi/2011/99/regulation/20",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "doc-emr20",
        "label": "EMRs 2011 regulation 20",
        "type": "regulation",
        "subtype": "regulatory anchor",
        "role": "EMRs 2011 regulation 20 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.legislation.gov.uk/uksi/2017/752/regulation/23",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "doc-psr23",
        "label": "PSRs 2017 regulation 23",
        "type": "regulation",
        "subtype": "regulatory anchor",
        "role": "PSRs 2017 regulation 23 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.legislation.gov.uk/uksi/2021/1178/contents",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "doc-pesar",
        "label": "PESAR 2021",
        "type": "regulation",
        "subtype": "regulatory anchor",
        "role": "PESAR 2021 is a regulatory anchor for the Supplementary Safeguarding Regime or its statutory baseline."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.bailii.org/ew/cases/EWHC/Ch/2022/1877.html",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "judg-re-allied-wallet",
        "label": "Re Allied Wallet Ltd [2022] EWHC 1877 (Ch)",
        "type": "standard",
        "subtype": "court judgment",
        "role": "Re Allied Wallet Ltd [2022] EWHC 1877 (Ch) is a court judgment interpreting EMRs reg 24 safeguarded-asset pool status."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.eba.europa.eu/single-rule-book-qa/qna/view/publicId/2024_7165",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "doc-eba-qa",
        "label": "EBA Q&A 2024_7165",
        "type": "standard",
        "subtype": "supervisory standard or guidance",
        "role": "EBA Q&A 2024_7165 is a supervisory or guidance source used to interpret the safeguarding regime."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.eba.europa.eu/sites/default/files/documents/10180/1904583/f0f3b7f8-0c2d-4f6d-ba5b-92d4b49d1de0/Guidelines%20on%20the%20information%20to%20be%20provided%20for%20the%20authorisation%20of%20payment%20institutions%20under%20PSD2%20%28EBA-GL-2017-09%29.pdf",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "doc-eba-gl",
        "label": "EBA-GL-2017-09",
        "type": "standard",
        "subtype": "supervisory standard or guidance",
        "role": "EBA-GL-2017-09 is a supervisory or guidance source used to interpret the safeguarding regime."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.fca.org.uk/publication/finalised-guidance/fca-approach-payment-services-electronic-money-2017-may-2026-draft.pdf",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "doc-approach",
        "label": "FCA Approach Document May 2026 draft",
        "type": "standard",
        "subtype": "supervisory standard or guidance",
        "role": "FCA Approach Document May 2026 draft is a supervisory or guidance source used to interpret the safeguarding regime."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.judiciary.uk/judgments/in-the-matter-of-ipagoo-llp-in-administration/",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "judg-re-ipagoo",
        "label": "Re Ipagoo LLP [2022] EWCA Civ 302",
        "type": "standard",
        "subtype": "court judgment",
        "role": "Re Ipagoo LLP [2022] EWCA Civ 302 is a Court of Appeal judgment interpreting PSRs reg 23 safeguarded-asset pool status."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://api-handbook.fca.org.uk/files/instrument/Glossary-GEN-CASS-SUP/FCA%202025/38-2026-05-07.pdf",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "c02",
        "label": "Relevant-funds segregation",
        "type": "control",
        "subtype": "technical, operational, audit-trail",
        "role": "Relevant funds must not be used for own-account purposes and must be protected through the statutory safeguarding method chosen by the firm."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://api-handbook.fca.org.uk/files/instrument/Glossary-GEN-CASS-SUP/FCA%202025/38-2026-05-07.pdf",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "c04",
        "label": "Mixed remittance handling",
        "type": "control",
        "subtype": "technical, governance, audit-trail",
        "role": "Inbound receipts containing both relevant and non-relevant money require a written policy and daily currency adjustments where relevant."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://api-handbook.fca.org.uk/files/instrument/Glossary-GEN-CASS-SUP/FCA%202025/38-2026-05-07.pdf",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "c05",
        "label": "Safeguarding-method selection",
        "type": "control",
        "subtype": "governance, operational",
        "role": "The firm may use segregation, approved secure liquid assets, or insurance/comparable guarantee where the statutory and CASS conditions are met."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "c12",
        "label": "Resolution-pack retrieval",
        "type": "control",
        "subtype": "operational, governance, audit-trail",
        "role": "The CASS resolution pack must be maintained and retrievable by the firm or an insolvency officer as soon as practicable and within 48 hours; specified records should be retrievable immediately."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "c13",
        "label": "Resolution-pack content",
        "type": "control",
        "subtype": "operational, governance",
        "role": "The pack must include a master document, account and counterparty details, agreements, insurers/guarantors, agents/distributors, outsourcing and relevant CASS 15 records."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "c16",
        "label": "Governance owner",
        "type": "control",
        "subtype": "governance",
        "role": "A director or senior manager must oversee safeguarding compliance; the governing body must receive resolution-pack compliance reporting at least annually and receive the safeguarding audit report."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "c17",
        "label": "FCA notifications",
        "type": "control",
        "subtype": "governance, operational, audit-trail",
        "role": "The firm must notify the FCA on certain insurance/guarantee events, reconciliation failures, unresolved inaccuracies, material shortfalls and inability to comply with the resolution-pack rule."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.handbook.fca.org.uk/handbook/CASS/10A/1.html?date=2026-05-07",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "c18",
        "label": "Group and outsourcing boundary",
        "type": "control",
        "subtype": "governance, operational, technical",
        "role": "Group members and outsourced providers can hold documents or perform operational functions only if retrieval, access and oversight obligations remain satisfied. Group treasury cannot obscure the statutory safeguarding boundary."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.handbook.fca.org.uk/handbook/CASS/15/6.html?date=2026-05-07",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "c06",
        "label": "Third-party diligence",
        "type": "control",
        "subtype": "governance, operational, audit-trail",
        "role": "The firm must exercise due skill, care and diligence when selecting, appointing and reviewing safeguarding banks, custodians, insurers, guarantors and third-party managers."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.handbook.fca.org.uk/handbook/CASS/15/6.html?date=2026-05-07",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "c07",
        "label": "Concentration and diversification",
        "type": "control",
        "subtype": "technical, governance",
        "role": "The firm must consider concentration and diversification across approved banks, custodians, insurers, guarantors and relevant assets."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.handbook.fca.org.uk/handbook/CASS/15/7.html?date=2026-05-07",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "c01",
        "label": "Account designation",
        "type": "control",
        "subtype": "technical, governance, audit-trail",
        "role": "The firm must be able to evidence that relevant-funds bank accounts and relevant-assets accounts are opened, named and acknowledged so third parties understand the safeguarding character of the account. Bank of England settlement accounts are treated separately for acknowledgement-letter purposes."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "c03",
        "label": "Liability scoping",
        "type": "control",
        "subtype": "technical, operational",
        "role": "The firm must allocate relevant funds to clients promptly, track unallocated and unidentified receipts, and calculate individual safeguarding balances without masking negative client balances."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "c08",
        "label": "Internal reconciliation",
        "type": "control",
        "subtype": "technical, audit-trail",
        "role": "Internal safeguarding reconciliation must be performed as frequently as necessary and at least once per reconciliation day using the firm’s own records rather than bank statements."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "c09",
        "label": "D+1 comparison",
        "type": "control",
        "subtype": "technical, operational, audit-trail",
        "role": "The standard method requires D+1 comparison of segregation requirement and resource and prompt discrepancy resolution, including top-up using own funds where required."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "c10",
        "label": "External reconciliation",
        "type": "control",
        "subtype": "technical, audit-trail",
        "role": "External reconciliation must compare internal records to third-party records at least every reconciliation day and resolve external discrepancies without undue delay."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
    },
    {
      "primary_source_url": "https://www.handbook.fca.org.uk/handbook/CASS/15/8.html?date=2026-05-07",
      "accessed_date": "2026-05-10",
      "finray_reviewed": true,
      "license": "CC-BY-4.0",
      "supports_node": {
        "id": "c11",
        "label": "Books without delay",
        "type": "control",
        "subtype": "technical, audit-trail",
        "role": "The firm must maintain records and accounts that distinguish relevant funds from other funds and determine client-specific totals promptly and at any time."
      },
      "review_record": {
        "reviewer": "Finray Intelligence",
        "page": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime/",
        "graph": "https://finray.tech/intelligence/fca-supplementary-safeguarding-regime.json",
        "review_date": "2026-05-10"
      }
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    {
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